Dispute equifax credit report by mail

Disputing an error on your Equifax credit report by mail is a straightforward process. Here's a step-by-step guide to help you dispute errors on your Equifax credit report:

Gather necessary documents:

  1. Your Equifax credit report: You can request a free credit report from Equifax once every 12 months from AnnualCreditReport.com. Review your report carefully to identify errors.
  2. Documentation to support your dispute: Collect any relevant documents that prove the error, such as:
    • Proof of payment or debt satisfaction
    • Cancellation or closure notices
    • Credit card statements or account information
    • Identification documents (e.g., driver's license, passport)

Write a dispute letter:

  1. Use a standard business-sized envelope (9 x 12 inches) and a clear, legible font.
  2. Include the following information:
    • Your name, address, and Social Security number (or Individual Taxpayer Identification Number)
    • The Equifax credit report you're disputing (include the report number or your name and address)
    • A clear description of the error(s) you're disputing, including the account number, date, and amount
    • The documentation you're submitting to support your dispute
  3. Keep a copy of your dispute letter for your records.

Mail the dispute letter:

  1. Send the dispute letter to the following address: Equifax Credit Reporting Agency P.O. Box 740256 Atlanta, GA 30374-0266

Allow time for processing:

  1. Equifax will investigate your dispute and respond within 30-45 days.
  2. If the error is verified, Equifax will correct your credit report and notify you.
  3. If the error is not verified, Equifax will notify you and provide instructions on how to proceed.

Additional tips:

  1. Be specific: Clearly identify the error(s) you're disputing and provide supporting documentation.
  2. Keep a record: Keep a copy of your dispute letter and any supporting documents for your records.
  3. Follow up: If you don't receive a response within the expected timeframe, you can follow up with Equifax to inquire about the status of your dispute.

Remember to also dispute errors on your other credit reports from Experian and TransUnion, as they may have different procedures for disputing errors.